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Health Insurance and helmets

mjacks

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Here is something I received today in an insurance industry email concerning proof of health insurance and riding with out a helmet. Looks like you will need to carry another proof of insurance if you choose to go with out the helmet.

Proof of Health Insurance for Motorcycle Owners and Passengers

If a health insurance customer or group plan participant asks you to provide evidence of coverage for their health insurance so they can ride a motorcycle without a helmet, here's why. The Texas Transportation Code requires motorcycle operators and passengers to wear protective headgear, unless they are 21 years of age and present evidence of coverage by a health insurance plan that provides injury benefits. SB 1967, passed in the legislative session earlier this year and effective Sept. 1, requires TDI to prescribe a standard proof of health insurance for this purpose. TDI officials are working on the rulemaking process to comply with this law. In the meantime, TDI issued a bulletin to health insurers and plans encouraging them to adopt temporary procedures for providing documentation that an individual's coverage includes medical benefits for injuries incurred as a result of a motorcycle accident.
 
But doesn't the PIP rider cover the medical portion?

Only to the amount you specify which is probably $2500. Usually the max you can get is $10k. It is only meant to cover minor stuff or your health insurance deductibles if it more severe.
 
The email is not entirely correct. It's 21+ with medical insurance that covers motorcycle crashes OR have completed a Motorcycle Safety Course (BRC or ERC).

You can just as easily carry a copy (NEVER the original) of your MSF course completion card and you'll still be ok. Or just wear your lid. :trust:

One of the problems with the previous law ($10,000 minimum coverage) was that insurance companies were reluctant to issue cards with coverage amounts on them.

This new card is designed to take care of that issue.
 
Well, I have a collection of MSF cards, and have to present one every time I go through the gate at Fort Hood. It's not a big deal to carry the document, and I often present it to local dealers and ask if they have a MSF discount. Not all dealerships offer a MSF discount, but I got 10% off from a dealer who did not have an established MSF discount when I bought my jacket; presented the card and asked. Always worth a try.
 
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